{"id":13306,"date":"2016-08-05T15:59:54","date_gmt":"2016-08-05T13:59:54","guid":{"rendered":"http:\/\/cms.munich-startup.net\/?p=13306"},"modified":"2016-08-05T12:00:33","modified_gmt":"2016-08-05T10:00:33","slug":"startups-have-difficulty-getting-bank-loans","status":"publish","type":"post","link":"https:\/\/cms.munich-startup.net\/en\/13306\/startups-have-difficulty-getting-bank-loans\/","title":{"rendered":"Startups find it difficult to obtain bank loans"},"content":{"rendered":"

No loan despite low interest rates: Banks are risk-averse when lending to startups. 36 percent of young IT companies have difficulty obtaining a loan. Bitkom based on the KfW business survey 2016<\/a>.\u00a0<\/strong><\/p>\n

Banks' willingness to grant loans is directly related to a company's revenue. Thirty-five percent of all IT companies surveyed with less than \u20ac1 million in revenue reported difficulties obtaining loans. This drops to just 20 percent for companies with annual revenues of \u20ac1 million to \u20ac10 million, and only 11 percent for companies with revenues of \u20ac10 million to \u20ac50 million. All surveyed companies with annual revenues of more than \u20ac50 million have no difficulty obtaining loans.<\/p>\n

"Startups can only benefit to a very limited extent from the favorable credit conditions on the capital market. Often they are simply unable to provide the required collateral,"<\/p><\/blockquote>\n

says Bitkom Managing Director Niklas Veltkamp.<\/p>\n

\u201cIt is important that we create sufficient alternative financing options for startups in Germany.\u201d<\/p><\/blockquote>\n

Veltkamp therefore welcomes the Plans by the Federal Ministry of Finance to establish a so-called \u201cTech Growth Fund\u201d with a volume of 10 billion euros:<\/a><\/p>\n

\u201cWhat is crucial now is what the exact conditions for the fund will be \u2013 and when it will actually be launched.\u201d<\/p><\/blockquote>\n

Public support: LfA F\u00f6rderbank grants more loans to startups<\/h3>\n

Against this backdrop, support for start-ups by public authorities is all the more important. For example, the LfA F\u00f6rderbank, the state-owned specialist bank for the promotion of small and medium-sized businesses in Bavaria, increased its development loans by 2.6 percent in the first half of 2016 compared to the same period last year. Around 2,200 medium-sized enterprises and almost 90 municipalities in the Free State received approximately \u20ac812 million in development loans. A quarter of the development loan volume, or almost \u20ac200 million, was allocated to start-up support for young entrepreneurs.<\/p>\n

"With the LfA, we are strengthening small and medium-sized businesses and making Bavaria a state of startups. The LfA has already supported more than 800 young ideas with almost 200 million euros this year. And established small and medium-sized businesses have also benefited from the LfA's attractive funding program. These companies have been able to secure over 61,000 jobs in the Free State and create around 2,100 new ones,"<\/p><\/blockquote>\n

said Bavaria\u2019s Minister of Economic Affairs and LfA Chairwoman Ilse Aigner.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

No loans despite low interest rates: Banks are risk-averse when lending to startups. 36 percent of young IT companies have difficulty obtaining a loan. This is reported by Bitkom based on the 2016 KfW business survey. Banks' willingness to approve loans is directly related to the companies' revenue. 35 percent of all respondents...<\/p>","protected":false},"author":26,"featured_media":13314,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5633,1,5635],"tags":[273,52,247,571,447],"acf":[],"yoast_head":"\nStartups kommen nur schwer an Bank-Kredite - Munich Startup<\/title>\n<meta name=\"description\" content=\"Keine Bank-Kredite trotz Niedrigzinsen: 36 Prozent der jungen IT-Unternehmen haben Probleme, Darlehen von Banken zu bekommen.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cms.munich-startup.net\/en\/13306\/startups-have-difficulty-getting-bank-loans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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